Southport at a glance
- Population: the Census estimates 4,377 residents, ranking 170th of 549 places in North Carolina (Vintage 2023).
- 2020 Census base: 4,015 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 9.0% higher than at the 2020 Census (US Census Bureau).
- Rank among North Carolina places: the 170th-largest of 549 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 69% of places in North Carolina rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.9333, -78.0085.
- Nearest larger cities (within 120 miles): St. James, NC (5 mi); Oak Island, NC (7 mi); Boiling Spring Lakes, NC (9 mi); Carolina Beach, NC (10 mi); Leland, NC (19 mi) (US Census Bureau populations).
- Smaller places nearby: Caswell Beach, NC (3 mi); Bald Head Island, NC (5 mi); Kure Beach, NC (7 mi), per US Census Bureau estimates.
What a personal loan costs in Southport
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
North Carolina lending rules that apply in Southport
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | North Carolina Office of the Commissioner of Banks (NCCOB) Source says: "Lenders operating under the CFA must be licensed by and are subject to regulation by the NCCOB." | North Carolina Office of the Commissioner of Banks as of 2026-09-16 |
| Consumer Finance Act installment loan rates (G.S. 53-176) | 33% per annum on unpaid balance up to $4,000; 24% on $4,000-$8,000; 18% on the remainder (loans up to $12,000); 18% for loans above $12,000 Source says: "thirty-three percent (33%) per annum on that part of the unpaid principal balance not exceeding four thousand dollars ($4,000)" | North Carolina General Assembly as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | For loans of $25,000 or less: greater of the 6-month U.S. Treasury bill rate + 6% or 16% (G.S. 24-1.1(c)); any agreed rate above $25,000 Source says: "plus six percent (6%), rounded upward or downward ... or sixteen percent (16%), whichever is greater" | North Carolina General Assembly as of 2026-09-16 |
| Payday lending status | Payday lenders shut down in North Carolina; online payday lending remains an enforcement target Source says: "Payday Lenders: Shut Down In NC, But Still Victimizing Borrowers Online" | North Carolina Department of Justice (Office of the Attorney General) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer Finance Act license from the Commissioner of Banks required for loans of $25,000 or less charging more than Chapter 24 rates Source says: "Direct lenders seeking to charge rates higher than allowed under Chapter 24 on consumer term loans of twenty-five thousand dollars ($25,000) or less" | North Carolina Office of the Commissioner of Banks as of 2026-09-16 |
How to compare offers in Southport
These steps are the ones that most affect the offer you receive in Southport:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in North Carolina using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.